Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$302,764Cash toward the purchase price.
Closing costs + prepaids$10,679Not just lender fees.
Before credits & paid funds$313,444The complete starting cash picture.
Estimated remaining funds due at closing
$313,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,764.39
Your down payment$302,764.39
Closing costs + prepaids$10,679.17
Total buyer cash needed$313,443.55
Remaining funds due$313,443.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$414.25
Prepaid interest, first (30 days)$240.92
Fees + prepaids$10,679.17
Your down payment is the seller’s equity. You take over the $77,136 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $313,443.55 is due at closing. Uses and sources reconcile at $390,579.17 each. Not a Closing Disclosure.